What is more important? A lifetime of struggles or living comfortably? Today, I’m blessed to have a 773 FICO and my goal is to reach the max of 850. It is easier to get approved for more things in life. You can live a higher quality of life. However, you must know what I’ve been through to reach this high credit score.

I was living pay check to pay check before I became an entrepreneur in 2007. I checked my credit and it was a horrible 450. It was hard to save even though I had a full-time job. There were times I got tired of being broke and took myself on a shopping spree. I didn’t realize how important credit was at the time.

It took me almost 4 years to pay off the credit card debt because of interest and late fees. That is what happens when people let money burn their pocket. I’m not saying spending money is a bad thing, however, credit is very important. We tend to get side-tracked in life. People put things in our name, or we don’t make responsible decisions and end up getting bad credit scores.

It took me years to build my credit score back up to a 725. Within 8 months of connecting with my current credit restoration company, I have seen a 48 point increase in my score. It is because of the awesome work that my credit attorneys have done. The Fair Credit Reporting Act has been beneficial for consumers.

Did you know that if Employers, Insurance Companies, and creditors can determine if they want to work with you based on your credit? Did you know that most Americans do have low to moderate credit scores?

According to Wikipedia, Employers must follow a list of guidelines when choosing the consumer reports to screen job applicants.

1) Get your written permission;

2) Tell you how they want to use your credit report;

3) Not misuse your information;

4) Give you a copy of your credit report if the employer decides not to hire or fires you; and,

5) Give you an opportunity to dispute the information contained within your credit report before making a final adverse decision

Credit is important when it comes to a person’s living conditions, career, insurance premiums and more life necessities. That’s right, companies are checking potential employees credit history. Life insurance companies are determining premiums based on a consumer’s credit history. In order to get a business loan, personal loan or a simple bank account will all depend on credit. Wow! Credit is very important.

Did you know that you can restore your credit? Most Americans have minimal knowledge on credit and some don’t know what’s on their credit report.

It’s never too late to change things around. Apply the credit restoration tips provided below and watch how things start to change in your life. Things will not change over night. It is a matter of staying consistent with your progress.